Group Insurance for Schools, Centres & MOE Personnel

Here’s what the Group Personal Accident Insurance for MOE Personnel offers.

Protection against accidental death and permanent disablement.
Coverage for inpatient and outpatient medical expenses.
Provides funeral benefit as well as coverage for temporary/permanent mobility aids, prosthesis, and other implants.
Daily hospitalisation allowance for each day of hospital stay overseas and upon returning to Singapore.

Take a closer look at what this plan covers.

Coverage amount overview

Accidental Death Benefit: Up to $500,000
Permanent Disablement (including Second and Third Degree Burns): Up to 150% of Accidental Death Benefit (as per Schedules of Benefits in Tables 1-3)
Medical Expenses (sum of outpatient and inpatient medical expenses): Up to $13,000 incurred up to 12 months from date of accident or infectious disease
Funeral Benefit: $5,000
Temporary/Permanent Mobility Aid, Prosthesis and Other Implants: Up to $5,000
Hospital Allowance (overseas and upon return): $50 per day of hospitalisation stay (up to a maximum of 50 days)

Medical expenses (sum of outpatient and inpatient medical expenses): Up to $13,000

With the following sub-limits:

Outpatient expenses: Up to $2,150 with a further sub-limit of up to $400 for treatment by a traditional chinese medicine practitioner
For outpatient and follow-up medical treatments due to an accident including but not limited to minor/day surgery at a clinic or hospital, physiotherapy at specialist outpatient clinics in restructured hospitals, physiotherapy at any centres or clinics operated by the Singapore Sports Council, dental treatments, and ambulance fees.
Inpatient expenses: Up to $10,850
For inpatient and follow-up treatments after hospitalisation in a hospital due to an accident, including daily room and board expenses (including ICU), capped at $120 per day, in-hospital consultation and surgery expenses incurred at a hospital, and expenses for other hospital services provided by a hospital (e.g. X-rays, MRI, prescription, medical supplies, operating theatre).
Reconstructive surgical expenses arising from an accident: Up to $13,000
Reconstructive surgical expenses include medical consultation, test, surgical procedure and medical treatment before/after the surgery.

For accidents overseas, the insured member must seek treatment within 7 days of returning to Singapore.

Extensions

Act of god/convulsion of nature
Disappearance including disappearance resulting from an act of god or convulsion of nature. (Limit: within 365 days)
Comatose state benefit (50% of accidental death benefit as an additional pay out; refer to schedules of benefits in Table 4)
Drowning, suffocation by smoke, poisonous fumes, gas
Domestic and nursing assistance expenses (Limit: up to $1,000, payable up to 90 days from date of discharge or where the limit is exhausted, whichever occurred first.)
Double indemnity for accidental death or permanent and total/partial disability whilst on a public conveyance or due to a natural catastrophe
Food poisoning
Insects and animal bites
Trauma counselling, psychiatric and psychological treatment fees (Limit: up to $1,000)
Exposure
Riot, strike, civil commotion, hijack, murder, assault
Motorcycling
Terrorism including losses caused by terrorist attacks by nuclear, chemical and/or biological substances

Table 4: Comatose State Benefit Schedule

Duration of Comatose	Percentage of sum assured as shown in the schedule
At least 3 months	25% of Comatose state benefit
At least 6 months	50% of Comatose state benefit
At least 9 months	75% of Comatose state benefit
At least 12 months	100% of Comatose state benefit

Scope of Coverage

The plan covers MOE personnel[1] when he or she is:

In his or her workplace, which can include an office building, a school, a student care centre, a kindergarten, and a KCare Centre;
Participating in any activity in the course of his or her employment, including Co-Curricular Activities and sports, regardless of the time at which such activities are conducted and whether the activity is conducted in the workplace or outside the workplace, be it in Singapore, or elsewhere; and
Commuting from (or to) his or her place of residence, including a hostel, to (or from) either his or her workplace or the place where an activity covered by the GPA insurance will be conducted, including any reasonable deviations. For the avoidance of doubt, the MOE personnel’s place of residence may include a place that is not in Singapore.

Who this is for.

You must be an MOE personnel[1] age 69 years old and below (age last birthday) to apply for cover under this plan. This includes both contract and permanent MOE personnel[1]. MOE personnel[1] on casual employment[2] are excluded.

Amount you can be insured for

Choose from five plan types exclusively for MOE personnel at preferential premium rates. Premium rates are not guaranteed and may be reviewed from time to time depending on our claims experience. Premium rates are inclusive of 8% GST.

	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5
Sum assured	$100,000	$200,000	$300,000	$400,000	$500,000
Yearly premium rates	$12.11	$28.26	$40.37	$53.49	$65.61

Your policy toolkit.

Brochures

Group Personal Accident Insurance for MOE Personnel Brochure

Policy conditions

Product Summary for Group Personal Accident Insurance for MOE Personnel

Ways to pay for Group Personal Accident for MOE Personnel.

Find out how you can make payment for your policy by choosing from the preferred methods below. For other accepted payment modes, you may get in touch with us through your preferred mode of contact at www.income.com.sg/contact-us.

Important notes

Footnotes

MOE personnel means a person who is either:
a) employed by the Government of the Republic of Singapore under MOE, regardless of where such person is deployed to and regardless of whether the person is a contract employee or serving on the permanent establishment; or
b) employed by the legal owner of a school that receives grant-in-aid from the Government pursuant to the Education (Grant-in-Aid) Regulations,
but excludes any person employed under a scheme of casual employment.
Casual employment means employment or work in a temporary or non-permanent role, which includes but is not limited to employment or work under any internships, flexi-adjunct schemes or relief schemes. MOE shall have conclusive say over whether a person is employed under a scheme of casual employment.

Exclusions

There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

Important Notes

This is for general information only. You can find the usual terms and conditions of this plan in the policy contract. All our products are developed to benefit our customers but not all may be suitable for your specific needs. If you are unsure if this plan is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. This plan does not have any cash value.

Group Personal Accident Insurance for MOE Personnel is underwritten and issued by Income.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is correct as at 14 September 2023.